For many homeowners, the last few years have offered a lot of tempting opportunities to refinance our mortgages. I refinanced myself a few years back in order to get a lower interest rate. But is refinancing always a good thing to do? The people in the real estate and mortgage lending businesses would have you [...]

Hosting a foreign student in your home is a rewarding experience that many would highly recommend. In the old days a family with a spare room could post an ad in the newspaper and easily find a student to rent to. But today’s modern students seldom travel independently. Opening your home to a foreign student [...]

Friends of ours invited us out to their house for dinner a few months ago. Though we had known them for years this was the first invitation to visit them at their place. The wife warned us that it would be quite a drive and we would find their “neighborhood” quite rural. We drove out [...]

Working from home is the dream of many commuters who spend endless hours stuck in traffic. With all the modern technology around a lot of people are able to make that dream a reality. Companies are figuring out that it’s more cost effective to let employees telecommute rather than rent office space, so more and [...]

I was at the local office supply store not to long ago and there was a poor guy there who just wanted to grab a paper shredder and go. He couldn’t find where they were located in the store, so he made a mistake he’ll probably regret the rest of his life.
He asked a salesman [...]

Home equity loans are one of the many different credit products offered by lenders around the country. For those who don’t know, a home equity loan is a line of credit which is backed by the borrower’s home. The lender considers the current market value of the home and generally offers to finance up to [...]

Just about all of us use credit cards at one time or another; some folks use them just for emergencies, perhaps others as a way to avoid carrying cash, businessmen use them to cover travel or other expenses, some folks can’t resist using them for all inclusive vacations or diamond earrings. Regardless of your credit [...]

Have you ever wondered how the bank calculates your monthly mortgage payments? Perhaps you’d like to know how to do it yourself so the next time you go house hunting you know how much you can afford.   There is a specific formula to follow and I’m willing to show you, but before we get [...]

Many individuals and families accumulate household goods over the years through things that have been passed down or bought. Eventually, your once tidy home seems like it is always cluttered and there just never seems to be enough room for everything. When you reach this point, you are more than likely in desperate need of [...]